The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$66,617
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,689
−HK$2,106/mo
Today · 4.125%
HK$70,795
baseline
▲ 0.50% · 4.625%
HK$75,102
+HK$4,307/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,590/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,111
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,098
−HK$2,017/mo
Today · 4.125%
HK$78,115
baseline
▲ 0.50% · 4.625%
HK$82,232
+HK$4,117/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,230/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,940
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,427
−HK$2,526/mo
Today · 4.125%
HK$84,953
baseline
▲ 0.50% · 4.625%
HK$90,123
+HK$5,170/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,906/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,933
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,318
−HK$2,420/mo
Today · 4.125%
HK$93,738
baseline
▲ 0.50% · 4.625%
HK$98,679
+HK$4,941/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,476/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,264
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,165
−HK$2,947/mo
Today · 4.125%
HK$99,112
baseline
▲ 0.50% · 4.625%
HK$105,143
+HK$6,031/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$198,224/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,755
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,538
−HK$2,823/mo
Today · 4.125%
HK$109,361
baseline
▲ 0.50% · 4.625%
HK$115,125
+HK$5,764/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$218,722/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,911
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,641
−HK$3,789/mo
Today · 4.125%
HK$127,430
baseline
▲ 0.50% · 4.625%
HK$135,184
+HK$7,754/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,860/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,399
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,977
−HK$3,630/mo
Today · 4.125%
HK$140,607
baseline
▲ 0.50% · 4.625%
HK$148,018
+HK$7,411/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,214/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,626 · Scale 2, in force from 26 Feb 2026)